I'm gonna need a "less than $0" option here, guy.
why would you have debt, aren't you still in HS?
and yes, the answer for 1 in 5 or so American adults is "less that zero", and probably near half of 18-29s who went to college, a key demographic here, so the <$0 option needs to be included.
thankfully, due to some guile and a stroke of luck, I have no student debt and have a Cornell B.S. my net worth today is around $3000, though if my mother died tomorrow it would be between $1.2-$1.7m, to the best I can calculate.